In understand speculation is part of the game. But speculation of what, there must be a reason why people believe these coins become valuable? i.e. does it mean without XRP no Ripple technology? Or am I investing in part of the Ripple technology and therefore will receive any profits when bank use it? Or does Ripple not function without the XRP coins. Same questions apply to the other alt coins..

Bitcoin and simular coins for payments, I understand.

But for other coins, I can see the why the technology is useful, but how do the coins/tokens benefit of this?
For example Ripple, I see the value of the technology, so assuming all banks at some stage will use them. How is XRP benefitting of this?

Another example Golem, understand the technology of a global super computer. But how will the GNT benefit of global usage? Am sure I am missing something, thanks a lot for helping me out!